A card_declined failure code typically indicates that the customer’s bank has refused the transaction request. Understanding the specific reason can help you resolve the issue quickly.
Common Decline Reasons
Reason | Description | Recommended Action |
Card Declined | General refusal by the issuing bank. | Client must contact the number on the back of their card. |
Limit Exceeded | The transaction exceeds the card's daily or total limit. | Client must request a temporary limit increase from their bank. |
Insufficient Funds | There is not enough money/credit to cover the cost. | Ask for an alternate payment method or try again at a later date. |
Card Expired | The card on file has passed its expiration date. | Ask the client for updated card details or a new card. |
How to Resolve Declines
Bank Authorization (General Declines & Limits)
For "Card Declined" or "Limit Exceeded" responses, the customer must contact their bank directly. Often, banks block large or unusual transactions for security. Once the client authorizes the payment or increases their limit, you can attempt the charge again.
Handling Insufficient Funds
If a transaction fails due to a lack of funds:
Re-try later: You may attempt to re-charge the card at a later date when funds may be available.
New Payment Method: Request a different credit card or a bank account (eCheck) transfer.
Updating Expired Information
Check with your client to see if they have received a replacement card. You will need to edit their payment information with the new expiration date and CVV code before the transaction can be processed successfully.
Merchant Processing Limits
Daily and monthly transaction limits may be imposed by both the issuing bank and the processing bank for ACH & Credit Card Payments. These limits are part of fraud-prevention strategies.
If a ACH/eCheck transaction declines due to a merchant limit, please call the 8am support team, so they can review and adjust accordingly.
If a Credit/Debit card transaction declines due to a merchant limit, then you can request a review by the Risk team to increase transaction limits. This process involves submitting the last three months of bank statements for evaluation.
❗️NOTE
AffiniPay does not have the authority to override a bank's decision to decline a card. All troubleshooting regarding specific "Declined" codes must be handled by the cardholder and their issuing bank.